Money taken from my account! What can I do now? - HotUKDeals
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Money taken from my account! What can I do now?

lincolnsmommy Avatar
6y, 6m agoPosted 6 years, 6 months ago
I have car insurance with brooker king and pay approx £59 a month. Well this month theve decided to take £120! I now have no money in my account! I'm fuming. When I try and ring thm they say I need to go through to a different department and then cut me off. I've already been with them for a year with no problems.

What should I do now? I'm also mad at my bank for allowing it as I signed the direct debit for £59 and that's all they should take. I had no idea they could take what thy want. Any advice would be great thanks.
lincolnsmommy Avatar
6y, 6m agoPosted 6 years, 6 months ago
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Comments/page:
#1
give them a ring :)
to be honest though, i wouldn never have that little in my account and always make sure i have a bit of a safety net if anything like this ever happens
#2
missp27
give them a ring :)
to be honest though, i wouldn never have that little in my account and always make sure i have a bit of a safety net if anything like this ever happens


I've tried ringing and they won't speak to me. I normally have more bu things are tight at the moment. My oh lost his job so only one income x
banned#3
Your bank has done nothing wrong. You signed a DD authorising brooker to take payments. Its not down to the bank what brooker takes.

just cancel the DD so they cant take next months payment.
#4
Direct debit allows them to take what they want - standing orders state the amount
#5
You said you'd been with them for a year...

are you sure that the £120 isnt just the first 2 months payment of your renewal for the coming year?
#6
Have you had letters from them you haven't read? If you have been with them a year probably this years new premium.
#7
csiman
Your bank has done nothing wrong. You signed a DD authorising brooker to take payments. Its not down to the bank what brooker takes.

just cancel the DD so they cant take next months payment.


Wrong.

Direct debit guarantee operated by all banks state
that if the amount you agreed to be taken by a direct debit changes without you knowing about it or authorising it, that money is to be refunded by the ban with no questions whatsoever

Get down to your bank or call them, tell them it was an unauthorised amount and you want it refunded straight away
don't take no for an answer as they have to do it


However send your insurance company a letter stating that you have tried contacting them about the amount that you didnt agree to, that you've claimed the money back from the bank and ask for an explanation of what the amount was for.
Send it special delivery, that way you have proof it got there, dont use recorded as in big companies they just get dropped off with normal post, and you won't know if it got there, was signed for, or by who

The reason I said contact the insurance company by post is - if you owe them money for some reason and it's not paid (as in the case of a refunded direct debit) then they may cancel the insurance without you knowing.
#8
lincolnsmommy
I've tried ringing and they won't speak to me. I normally have more bu things are tight at the moment. My oh lost his job so only one income x


sorry to hear that :-( have you checked you're recieving everything you're entitled to money wise?
#9
This is the 2nd payment of the year and not a new premium. They are just trying it on. That's interesting about the bank thanks Karen
#10
Well I've finally got through! They did the same last month aswel and I hadn't noticed eeek! There refunding me it now be back in my acounnt in 5 days. Phew!
banned#11
karenhornby;8677653
Wrong.

Direct debit guarantee operated by all banks state
that if the amount you agreed to be taken by a direct debit changes without you knowing about it or authorising it, that money is to be refunded by the ban with no questions whatsoever

Get down to your bank or call them, tell them it was an unauthorised amount and you want it refunded straight away
don't take no for an answer as they have to do it


However send your insurance company a letter stating that you have tried contacting them about the amount that you didnt agree to, that you've claimed the money back from the bank and ask for an explanation of what the amount was for.
Send it special delivery, that way you have proof it got there, dont use recorded as in big companies they just get dropped off with normal post, and you won't know if it got there, was signed for, or by who

The reason I said contact the insurance company by post is - if you owe them money for some reason and it's not paid (as in the case of a refunded direct debit) then they may cancel the insurance without you knowing.

I was right and you are wrong. Its not down to the banks as to what companies take unless its a standing order although the banks are liable should an organisation withdraw the wrong amount
#12
csiman
I was right and you are wrong. Its not down to the banks as to what companies take unless its a standing order although the banks are liable should an organisation withdraw the wrong amount


Your right, a Direct Debit mandate is purely authorisation for a company to take money from your bank account, provided that the details on the mandate match the collection (the only thing that is checked by the bank is the reference number) then the bank will pay the Direct Debit (subject to available funds) no matter what amount is claimed for.

However, all banks and building societies that take part in the Direct Debit Scheme indemnify their customers against money taken without their knowledge. A specfic claim has to be made through the customers bank, an indemnity claim, this entitels the customer to a full and immediate refund of the money paid. The bank will always take the side of the payer, subject to the claim being for one of their accepted reasons, for reference these are:

- The amount differs from the amount the payer had been advised would be taken out

- The date differs from the date the payer has been advised the funds would be taken

- The frequency of the Direct Debit had changed

In all cases of the above the collecting organisation is required to give the payer 10 working days notice, plus postage time (unless a different period has been agreed) of the changes which are going to be made.

N.B As previously mentioned though, if you do an indemnity claim it does not neglect your responsibility to pay for the goods / and or service that you have recieved, Direct Debit is purely a method of payment.

So, you are both right.

If

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